debt consolidation

The creditors were all given letters saying to work with this firm and I’m paying them monthly to work toward my debt. But I received this summons anyways. Can they still garnish my wages over and above what I am paying the consolidation company? I have no wiggle room in my budget.

Rent Back Fast
Categories : debt consolidation
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homeowner loan

I’m in Default and the interest and penalties are growing everyday.
The minimum they will accept , even under a “financial hardship”
Rehab program is $400 per. mo
I can’t repay at that amount currently…but if I don’t the monthly amount will just go Up and up.
I’m a Homeowner ..should I get a refinance loan and pay off the FEDS and attach the amount to my mortgage ?

Real Estate Professionals
Categories : homeowner loan
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debt consolidation company

Anyone know of a company that consolidates 1500….most starts at 2500…I dont want it to get that far…

Sell and Rent Back
Categories : debt consolidation
Comments (3)

I’d run around boot camp for a few weeks this summer to erase my student loans, then do the Reserves one-weekend-a-month thing. Who has the best deal for the least amount of work (and risk of death)?

(BTW, I’m 38, but definitely in boot-camp shape.)
I see the National Guard Reserves may be the best bet.

Rent Back

Categories : student loan
Comments (1)
debt consolidation

One of the most popular assistance available for those who are in a bad credit situation is a debt consolidation loan. Debt consolidation loans may be provided by a bank, credit union, merchant association, finance company or a debt consolidation company so that the borrower can pay off his debts from different creditors.

Lower Interest

Usually borrowers can avail of a debt consolidation loan for a lower cost of interest and a wider range of repayment terms that they can choose from. It is very important for the borrower to make sure that the interest rates on his debts will be significantly reduced if he obtains a bad credit debt consolidation loan. If not, it will not be of much help at all. If you have a debt with a lower interest rate than what your debt consolidation company offers, do not include that debt with your loan.

More Payment Terms

The different repayment terms are also important to consider. The availability of various payment terms enables the borrower to choose the best repayment option that is most suitable to his financial situation. Thus, a personal debt consolidation loan prevents the possibility of a borrower defaulting on his debts.

For those who are having a hard time keeping up with their debts from different creditors, a debt consolidation loan may be best. By consolidating debts, a borrower only has to remember one monthly bill at much a lower rate of interest. Generally, the monthly payment for a debt consolidation loan is based upon the lowest amount of payment that is accepted by your creditors.

How You Can Make it Work

However, a debt consolidation loan can only be successful if you make it work for you. Most people who have obtained a debt consolidation loan are on their way to debt recovery. But the problem starts again when they began to use their credit uncontrollably before they even get to pay the rest of their debts. Even worse, the new debts they incur are not part of the debt consolidation loan, making repayment more difficult.

If you’re going to obtain a bad credit debt consolidation loan, you need to have a budget plan and stick to it. Debt consolidation will be senseless if you’ll continue to delay with your monthly payments. If you really want to get off the load of bad credit you really have to work hard for it.

Have a clear goal and work towards that goal. For instance, your goal would be to pay off your debts in a span of 3 years or less. How can you achieve this? Why not make some adjustments with your lifestyle or your daily spending so you can save on your monthly budget?

If you live with your family, why not talk to your family members and encourage everyone to have their share even just by doing simple things like conserving electricity and daily expenses.

More importantly, obtaining new debts is definitely a big no. Don’t put yourself in a deeper trouble that you’re already in. Yes, it takes a lot of discipline and determination to make debt consolidation work. But it can be done and if many have been successful with it, so can you.

Passive Income
Categories : debt consolidation
Comments (0)
debt consolidation company

I was recently contacted by a firm identifyng themselves as J D H Associates from Timpton Falls, NJ. They offered to eliminate my credit card debt in 18 months. Their charge would be .15 on the dollar and claimed that they could get the credit card company to accept .55 for every dollar I owed. This would eliminate 30% of my debt. Has anyone dealt with this company? Can they do what they say they can? Is there a way to check out their legitimacy?

Quick House Sale
Categories : debt consolidation
Comments (2)
cheap loan

There are some occasions where from time to time, you have to seek the assistance of external financial help. While loans are abundantly available, you must undertake some precautionary measures. The prime concern should be to look for loans which offer a good amount, have feasible repayment schedules and a cheap rate of interest. If you are looking for all these considerations, then you should go for Cheap Loans.

As the name refers these loans are cheap as compared to other loans available in the financial market. There are certain factors which determine the apparent cost of a loan. Flexible repayment period, lower interest rate, collateral pledged, credit status is some of the basic criteria which will allow you to avail these low cost loans.

These loans are broadly classified in to two categories. Based on your need and requirement you can go for secured or unsecured form. The secured form of the loans can be availed by pledging any asset as collateral. The interest rates are quite low as there is an asset to bank upon. The amount offered is large and has a long repayment period. On the other unsecured form of the loans are available without any collateral. This means the interest rates for the loans will be slightly higher. However with a proper research you will be able to gin competitive rates.

The amount obtained under these loans can be used for a number of purposes. The amount obtained can be utilized to meet expenses like purchasing a car or motor bike, renovating home, consolidating debts, educational requirements, wedding, holiday and even consolidating debts.

There are various lending institutions who are offering these loans at present. The main thrust of these loans is to help you save some money. Further using the online mode to avail these loans will assist the borrower to gain cheap rates.

Cheap loans provide you the much need finances to meet your various needs at very down to earth rates. The loan program is designed to suit the profiles of all the borrowers.

Categories : cheap loan
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debt consolidation

Debt consolidation is not such wonderful solution as it may seem. There are many consequences implied in undertaking a debt consolidation program that can really affect your finances and credit situation for many years. And even though sometimes the only other solution is bankruptcy, you need to take many precautions before hiring the services of a debt consolidation agency.

If you think that debt consolidation will solve all your debt problems, you need to think again. It is true that debt consolidation can solve some terminal credit situations but that is mainly because things couldn’t be worse. Debt Consolidation can be very risky, if you are not careful enough when selecting your debt consolidation agency and you don’t control the things they do with your finances, you may end up in a worse situation than when you started.

When Should I Consolidate My Debt?

A debt consolidation program should be undertaken only if your debt cannot be refinanced any further. It is always better to refinance your current debt than to contact a creditor and tell them that you can’t repay your debt and you need to negotiate new loan terms or else you’ll have to file for bankruptcy and he may never recover his money (This is what debt consolidation is, to make things clear).

Though most lenders will agree to new terms, the approach that debt consolidation implies will destroy your ability to get finance in the future. For a long time, you won’t be able to get approved for a loan or credit card again without the aid of your debt consolidation agency.

Thus, only if your debt has become unbearable and you can no longer meet your monthly payments should you consider joining a debt consolidation program. Moreover, you’ll loose control over your finances, you probably won’t be able to use your credit cards and store cards anymore and you’ll have to learn to live by the day as all the efforts will go towards eliminating your debt.

Beware of Secure Debt Consolidation Loans

Debt consolidation agencies usually suggest that you take a debt consolidation loan in order to pay off your debt. The advantage of this kind of loans is that the interest rate charged is lower and that the repayment program is a lot longer. Thus your monthly payments will be affordable and you will recover a significant part of your income so you can save money, repay other debt or pay for necessary expenses.

However, on the dark side of these loans, the fact that these loans are secured implies that you are risking your home because if you fail to meet the loan installments, the lender can always recover his money by taking legal action and claiming the property. Secured consolidation loans are an excellent solution to combine with other forms of debt consolidation and obtain debt relief, but the risks involved should be considered carefully.

Choosing the Debt Consolidation Agency Carefully

There are many companies that have been working for many years in the financial industry and know how to provide consolidation services affecting your finances and credit score the least possible. But there are others with less experience that may ruin your credit score for many years during this process. And, sadly, there are even others that are nothing but scams. So, you should be extremely careful when choosing the company you are planning to work with.

Sell House Quick
Categories : debt consolidation
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homeowner loan

Life is the best teacher. Sometimes in life, one particular solution can serve as the way out for more than one problem. If you happen to be a homeowner and your poor credit score is the one big hurdle in the way of your financial freedom and credit improvement, here is a loan tailored specially for you. The bad credit homeowner loan can serve you in the best possible way in such conditions.

What is bad credit homeowner loan

As the name suggests, this is a loan for homeowners to generate cash for their own personal needs. This is a secure loan and can be legally used for any purpose you see fit and is available to nearly all homeowners. The reason you quote for taking this loan hardly matters in the sanctioning process. All that is expected of a borrower is his full commitment to the loan and its repayment.

Lenders look more approvingly on those people who own their home, since this is evidence that a commitment has already been made to repay a substantial amount of money over an extended period. Plus, the worst case scenario is that you face the very real prospect of losing your house should you fail to meet the repayments. All this has a positive effect on the loan as a whole.

Your advantage

This loan is a big plus for those with a chequered credit history. Even if you have a bad credit history or have been refused unsecured loans in the past, these will not affect your prospects for this loan.

Also, for those looking for an opportunity to improve their credit score, there can’t be a better option than bad credit homeowner loan.


Bad credit homeowner loan rates are invariably tied to the base interest rate, often depending on your status. The monthly repayments always depend on the amount borrowed and the term of your loan, freeing you from worries.

In most cases, the bad credit homeowner loans will let you borrow from five to seventy five thousand pounds.

Rediscover your financial freedom and improve your credit for the better. This loan lets you solve more problems than one.

Quick House Sale
Categories : homeowner loan
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payday loan

u>Kings Cash Advance, your #1 source for Quick Quid

——————————————————————————————————- What is a Cash Advance, Payday Loan, or Paycheque Loan?


A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-cheque fees and late payment penalties. With Kings Cash Advance you can apply for a payday loan online and have your advance electronically deposited to your chequeing or savings account.

What about Qualifying?

Qualifying for a payday advance is easier than qualifying for traditional credit. Kings Cash Advance & Quick Quid does not perform credit cheques. Your job and your paycheque act as your collateral. You only need to meet the following requirements:

Currently have a job (or receive regular income) Make at least £800 per month Are 18 years of age or older and a UK citizen Have chequeing account or savings account with direct deposit

Does the process take long?

Customers typically receive approval within hours of applying. Since the money is wired directly into your chequeing or savings account, you can usually have access to your funds the very next day


Kings Cash Advance |

What if I have bad credit, NSF’s, CCJ’s charge-offs or a bankruptcy?

Not a problem! Kings Cash Advance does not obtain a credit bureau report to qualify you for a cash advance payday loan.

What about collateral to receive a loan?

No. Your job and your paycheque are your collateral.

Do I need direct deposit?

Not necessarily, we can process your loan if your paycheque is direct deposited or a papyrus paycheque; these are the most secure ways to offer loans as quickly as we do.

Is there an application fee?

Kings Cash Advance never charges applicants a fee to qualify for a payday cash advance loan.

How often should I use this service?

Whenever an immediate or urgent need arises, Kings Cash Advance is here to help. It is important to remember that a payday cash advance loan is a short-term answer to an immediate cash need. Payday loans are not intended for repeated use in supporting an on-going budget situation from payday to payday. Repeated use or reliance on payday loans can create serious financial difficulties. If you need help with credit, budgeting or debt management, please contact the National Foundation for Credit Counseling at 1-800-388-2227.

How is the payday cash advance loan amount determined?

State law regulates and limits the maximum advance amount to between £100 and £500. Within that range, you qualify for a payday advance amount based on your current income

How are fees established?

Our fees are competitive and vary from lender to lender.

Why is there so much information in the Loan Agreement?

The Agreement is a contract that complies with all applicable state or federal disclosure requirements. It completely outlines the terms of the payday advance, including the cost of the service fee both as a dollar amount and as an annual percentage rate (APR).

How soon do I have to pay back the loan?

Payday cash advance loans are generally repaid back when you receive your next paycheque. The standard time for loan repayment is usually no less than seven days and no longer than eighteen days. Of course you may also pay back your loan at anytime without any prepayment penalties.

What if I can’t repay the payday loan in full on my due date?

We have different payment options available for our customers:

1. Paying the loan in full on the maturity date listed on your loan agreement*.

2. Paying the finance fee and a portion of the principle on or before the maturity date*.

3. Paying only the finance fee on the maturity date*. *Some additional terms and conditions may apply so it would be prudent to ask your loan consultant about

all of the repayment options.

Kings Cash Advance is the fastest way to obtain secure, online cash advance and payday loans. A payday loan or paycheque loan provides you with an unsecured, short-term cash advance until your payday. Paycheque loan customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-cheque fees and late payment penalties.  

Rent Back Fast
Categories : payday loan
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